Overseas Buyers Gain New Leverage with More UK Mortgage Deals

The UK buy-to-let mortgage market has just hit a historic milestone — and it’s great news for international investors.

According to recent figures from Moneyfactscompare.co.uk, the number of available buy-to-let mortgage products has soared to 4,144 — the highest on record since data tracking began in 2011. Even more encouraging? For the first time since late 2022, the average two-year fixed mortgage rate has dipped below 5%.

This shift signals a renewed momentum in the UK rental property market and sets an exciting stage for investors across the GCC and beyond looking to grow their portfolios in a stable, high-demand economy.

The Numbers Behind the Opportunity

In just 12 months, the total number of buy-to-let mortgage deals — both fixed and variable — jumped by more than 40%. What’s notable is the increase in five-year fixed-rate mortgages, indicating lender confidence in the long-term strength of the rental market.

Here’s a quick snapshot:

• Two-year fixed-rate deals: now averaging 4.98% across all LTVs
• Five-year fixed-rate deals: now averaging 5.29%
• Five-year fixed rates at 60% LTV: as low as 4.51%
• Available mortgage products: up from 2,935 in June 2024 to 4,144 in June 2025
  
  

This is the fourth consecutive month of falling rates, and for overseas landlords watching the Bank of England’s monetary policy closely, that’s a significant trend.

Why It Matters for Overseas Investors

For GCC investors eyeing the UK’s real estate sector, this news opens a compelling window.

At Magnate Assets, we’ve seen renewed appetite from clients in Dubai, Abu Dhabi, and Riyadh who are looking for secure, long-term rental income without the volatility seen in other global markets. With lower borrowing costs, improved access to financing, and a growing number of high-yield investment opportunities in cities like Manchester, Birmingham, and Liverpool, now may be the time to act.

Through our partnerships — including fully managed, high-yield refurb-and-rent schemes in the North East — we offer international clients a turnkey investment experience. From sourcing properties below market value to renovation, tenanting, and ongoing management, we take care of every step.

What’s Driving Lender Confidence?

Lenders are responding to improved swap rates and easing inflationary pressures, which have made them more competitive. Many are slashing rates to attract new business — good news for landlords looking to refinance or expand.

However, landlords must plan. The UK government is tightening regulations, including requiring all rental properties to have a minimum EPC rating of C by 2030. Additionally, the forthcoming Renters Reform Bill may introduce changes like the end of Section 21 evictions and fixed-term tenancies, which could reshape the rental landscape.

These shifts mean it’s more important than ever to work with a property partner that understands compliance, risk mitigation, and long-term asset performance.

Final Thought

As the buy-to-let landscape evolves, one thing is clear: well-prepared investors who act now may benefit from both lower entry costs and improved yields. Whether you’re a first-time investor or looking to diversify internationally, this could be a golden moment to invest in UK real estate with clarity and confidence.

Ready to explore your options? Magnate Assets offers tailored solutions designed for overseas investors seeking secure, high-performing assets in one of the world’s most stable real estate markets.

Contact us today to request a free consultation and begin your UK property journey with confidence.